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Saint Vincent Seminary

Latrobe, PA · official site ↗

Private nonprofitBaccalaureate/Associate's: Assoc. DominantGraduate/Professional
70
Fin. Resilience
Resilience score

vs. 205 peers in its group

Saint Vincent Seminary is a private nonprofit institution in Latrobe, PA, classified by Carnegie as “Baccalaureate/Associate's: Assoc. Dominant.”

It is benchmarked here against 205 peer institutions (Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit).

On Ibex's Financial Resilience score it rates 70 out of 100 within that peer group, a transparent composite of endowment per undergraduate, net tuition revenue per student, and instructional spend per student.

Its strongest standing relative to peers is median earnings (10 yr) ($59,982, 91st percentile).

Its weakest is avg monthly faculty salary ($2,348).

Peer group

Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit

205 institutions

No cross-metric risk flags triggered.
Policy & demographic exposure

How exposed Saint Vincent Seminary is to the structural shifts reshaping higher ed: a composite structural-risk index plus the 2025 federal budget law’s endowment excise tax and Grad PLUS elimination and the demographic enrollment cliff. Only signals that apply to this institution are shown.

Grad PLUS exposureShare of the school's graduate federal loan dollars that came from Grad PLUS, the program the 2025 budget law eliminates for new borrowers from July 2026 (FSA Direct Loan data). Higher = more graduate borrowing that will disappear above the new caps.
43.1%
High exposure
Higher than 80% of schools nationally
AY2025-26 YTD (through Q2, Dec 2025)
Avg Grad PLUS loanAverage Grad PLUS loan per borrower (FSA). The 2025 law caps unsubsidized grad borrowing at $20,500/yr and ends Grad PLUS — this is the average per-student amount that vanishes above the cap. The depth half of the Grad PLUS shock; pair with Grad PLUS exposure (the reliance share).
$25,280
Above the cap
Higher than 70% of schools nationally
AY2025-26 YTD (through Q2, Dec 2025)
Enrollment cliff (home state)Projected change in the institution's home-state high-school graduates from 2025 to 2041 (WICHE). The U.S. total falls about 13%; a directional feeder-market signal, not an enrollment forecast.
-14.8%
Steep decline

Indicative signals, not forecasts — see each metric’s definition and the methodology. Endowment-tax and Grad PLUS figures appear only where the institution is actually exposed; “nationally” compares against all schools that report each signal.

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Financial Health Index
7.5
on a −4 to 10 scale
Financial Health IndexStrong

NACUBO Composite Financial Index — the balance-sheet health score accreditors and institutional boards use to gauge financial health; bond-rating agencies track similar ratios. reported at parent/system level — reflects Saint Vincent College (excluded from rankings and peer percentiles).

Primary reserve 35%14.3 mo
Reserves vs. debt 35%3.70×
Return on net assets 20%2.1%
Operating result 10%17%

Composite of four ratios on a strength-factor scale (−4 weak → 10 strong): below 3 falls short of the threshold for financial health, below 1 signals acute stress, and above 6 is strong. Computed from IPEDS FY2022-23, the most recent finance release (it lags the current year by 2–3 years). Branch campuses that report finances at a parent/system level can show distorted ratios. For informational benchmarking, not a credit rating or financial advice.

Revenue composition
Where the money comes from $69.6M total revenue · IPEDS FY2022-23

Reported at parent/system level — reflects Saint Vincent College.

Tuition & fees is the largest single source at 40% of revenue.

Tuition & fees39.8%
Auxiliary enterprises21.3%
Investment return15.0%
Private gifts & grants13.1%
Government grants & contracts8.7%
Other revenue2.0%

Where each dollar of revenue comes from, as a share of total positive revenue. Sources are standardized across public (GASB) and private (FASB) reporting; a net investment loss in a down market is shown as 0% and excluded from the mix.

Financial Health
Net tuition revenue / FTETuition revenue per full-time-equivalent student after institutional aid/discounts — what tuition actually nets.
Strong
$16,509
86th percentile in peer grouppeer median $9,833
Instructional spend / FTESpending on instruction per FTE student — how much of the budget reaches the classroom.
Average
$12,723
55th percentile in peer grouppeer median $10,996
Endowment (end of year)Total endowment value at year end — long-term invested wealth that funds operations and cushions shocks.
Average
$7.3M
40th percentile in peer grouppeer median $14.5M
Avg monthly faculty salaryAverage monthly salary of full-time faculty (IPEDS) — a proxy for faculty investment.
Below peers
$2,348
9th percentile in peer grouppeer median $5,681
Average monthly salary of full-time faculty, as reported to IPEDS.
Endowment per FTE studentEndowment per full-time-equivalent student — the FTE-correct measure of endowment wealth per student.
Average
$109,508
52nd percentile in peer grouppeer median $107,955
End-of-year endowment ÷ 12-month FTE enrollment — endowment wealth per full-time-equivalent student. The FTE-correct companion to endowment-per-undergraduate; FTE counts graduate and part-time load, so research universities look less wealthy on this basis than on a headcount basis.
Grad PLUS exposureShare of the school's graduate federal loan dollars that came from Grad PLUS, the program the 2025 budget law eliminates for new borrowers from July 2026 (FSA Direct Loan data). Higher = more graduate borrowing that will disappear above the new caps.
High exposure
43.1%
— percentile in peer group
Share of the institution's graduate federal loan dollars (Grad Unsubsidized + Grad PLUS) that came from Grad PLUS — the program the 2025 budget law eliminates for new borrowers from July 1, 2026, alongside new caps on graduate borrowing. A higher share means more of the school's graduate students rely on borrowing that will no longer exist above the unsubsidized cap. Source: U.S. Dept. of Education / Federal Student Aid Direct Loan Dashboard — primarily award year 2025-26 (year-to-date through Q2, December 2025), the most current federal data; schools not yet reporting Grad PLUS in 2025-26 retain their most recent complete year (2024-25), shown per school. The reliance share is stable across the two vintages. Shown only for schools with Grad PLUS originations; an exposure signal, not a forecast of revenue loss.
Avg Grad PLUS loanAverage Grad PLUS loan per borrower (FSA). The 2025 law caps unsubsidized grad borrowing at $20,500/yr and ends Grad PLUS — this is the average per-student amount that vanishes above the cap. The depth half of the Grad PLUS shock; pair with Grad PLUS exposure (the reliance share).
Above the cap
$25,280
— percentile in peer group
Average Grad PLUS loan per recipient (FSA Direct Loan Dashboard — award year 2025-26 year-to-date through Q2, with 2024-25 full-year retained where 2025-26 is not yet reported). The 2025 budget law eliminates Grad PLUS for new borrowers from July 1, 2026 and caps unsubsidized graduate borrowing at $20,500/year — so this is the average per-borrower amount that will no longer be available above that cap. Paired with Grad PLUS exposure (the institution's reliance share), it is the depth axis of the Grad PLUS shock: how much each affected borrower stands to lose. Shown only where Grad PLUS was originated.
Operating marginNet surplus as a share of total revenue — whether the institution runs in the black.
Strong
8.3%
Parent/system level
Reported at parent/system level — reflects Saint Vincent College. Excluded from rankings and peer percentiles.
Tuition dependencyTuition's share of total revenue — how exposed the budget is to enrollment swings.
39.8%
Parent/system level
Reported at parent/system level — reflects Saint Vincent College. Excluded from rankings and peer percentiles.
Tuition discount rateInstitutional grant aid as a share of gross tuition (IPEDS, private nonprofits only) — the tuition-discount rate. The share of sticker tuition handed back as aid; a high rate (the national average is ~56%) signals heavy price competition for students.
High
54.3%
Parent/system level
Reported at parent/system level — reflects Saint Vincent College. Excluded from rankings and peer percentiles.
State appropriations shareState appropriations' share of total revenue — material for public institutions, near zero for private.
0%
Parent/system level
Reported at parent/system level — reflects Saint Vincent College. Excluded from rankings and peer percentiles.
Administrative cost shareInstitutional support (central administration, governance, general administration, fundraising, and under FASB the operation & maintenance of plant) as a share of total expenses — private nonprofit (FASB) institutions only, where the figure is comparable. An informational gauge of administrative intensity, not a measure of waste.
16.3%
Parent/system level
Reported at parent/system level — reflects Saint Vincent College. Excluded from rankings and peer percentiles.
Months of operating cushionMonths of operating expenses covered by expendable reserves — the institution's cash cushion.
Strong
14.3 mo
Parent/system level
Reported at parent/system level — reflects Saint Vincent College. Excluded from rankings and peer percentiles.
Reserves vs. debtExpendable reserves divided by long-term debt — whether reserves could cover the debt.
Strong
3.70×
Parent/system level
Reported at parent/system level — reflects Saint Vincent College. Excluded from rankings and peer percentiles.
Return on net assetsChange in net assets over the year — whether the institution grew wealthier.
Adequate
2.1%
Parent/system level
Reported at parent/system level — reflects Saint Vincent College. Excluded from rankings and peer percentiles.
Enrollment & Pipeline
12-month FTE enrollmentFull-time-equivalent enrollment over the full year — the denominator for per-student finance measures.
67
25th percentile in peer grouppeer median 115
Full-time-equivalent enrollment over the full 12-month year (IPEDS 12-month enrollment, 2022-23). Counts part-time students at their fractional load, so it runs above fall full-time headcount and is the denominator used for per-student finance measures.
Enrollment cliff (home state)Projected change in the institution's home-state high-school graduates from 2025 to 2041 (WICHE). The U.S. total falls about 13%; a directional feeder-market signal, not an enrollment forecast.
Steep decline
-14.8%
— percentile in peer group
Projected change in the number of high-school graduates in the institution's HOME STATE from the class of 2025 (the national peak) to 2041, per WICHE's Knocking at the College Door, 11th Edition (Dec 2024). The 'enrollment cliff' is the post-2008 birth decline reaching college age; the U.S. total is projected to fall about 13% over this window. A college recruits from many states, so its home-state projection is an indicative directional signal of feeder-market pressure, not a forecast of that institution's own enrollment.
Student Outcomes & Risk
Median earnings (10 yr)Median earnings of former students ten years after first enrolling (working, federally-aided students).
Strong
$59,982
91st percentile in peer grouppeer median $38,936
Median debt at graduationMedian federal loan debt graduates carry at the point they complete.
Below peers
$27,000
90th percentile in peer grouppeer median $24,250
3-yr cohort default rateShare of borrowers who default within three years of entering repayment. Lower is better.
Average
3.7%
46th percentile in peer grouppeer median 4.3%
Share of borrowers who defaulted within three years of entering repayment (U.S. Dept. of Education official cohort default rate). Shown for the FY2017 borrower cohort — the most recent cohort whose full three-year default window closed before the 2020-23 federal student-loan payment pause. More recent cohorts are reported by the College Scorecard at essentially 0%, but that reflects the payment pause (no payments were due, so almost no one could default), not borrower health, so the pre-pause cohort is the last meaningful reading. Lower is better.
Debt-to-earnings ratioMedian graduate debt divided by median earnings — how heavy the debt load is versus what graduates earn. Lower is better.
Strong
0.45×
30th percentile in peer grouppeer median 0.56×
Loan repayment rate (3-yr)
77.6%
96th percentile in peer grouppeer median 53.2%
Share of student-loan borrowers who had repaid at least $1 of their loan principal within three years of entering repayment (College Scorecard, FY2024-25). Read it as context, not a simple good/bad score: a low rate can mean borrowers are struggling, but it can also mean many graduates have postponed payments while enrolled in graduate or professional school, which is common at selective schools and pushes their rate down. Unlike the cohort default rate, it is not distorted by the 2020-23 federal payment pause. Reported only where enough borrowers exist.
Top fields of study (all levels)

Saint Vincent Seminary’s largest fields by completions, with graduate earnings (4 years out) and debt benchmarked against the same field at its peer group. Sparklines show the 8-year completions trend.

FieldCompletions / yrMedian earnings, 4 yrs outMedian debtEarnings premiumRisk score
Theology & Religious Vocations10———Moderate · 42
Theology & Religious Vocations2————
Philosophy & Religious Studies1————

Earnings-premium status is an indicative estimate: median graduate earnings four years out vs the PA state median earnings of a high-school graduate (undergraduate credentials) or a bachelor’s-degree holder (graduate credentials) from the U.S. Census Bureau’s American Community Survey (2022 ACS 5-year). The official U.S. Department of Education determination uses its own cohort definition and may differ.

The risk score (0–100) is an indicative blend of earnings-premium margin and the five-year completions trend—higher means a field pays closer to (or below) the benchmark and is shrinking. A directional screen, not an official determination.

See the interactive dashboard for all fields and credential levels (associate through doctoral). Source: College Scorecard Field of Study.

Frequently asked
How financially healthy is Saint Vincent Seminary?
Saint Vincent Seminary does not file its own IPEDS finance survey — its finances are reported by its parent institution, Saint Vincent College, which scores 7.5 (Strong) on the NACUBO Composite Financial Index (the −4 to 10 balance-sheet score accreditors and boards use), computed from IPEDS FY2022-23 finances. This parent-level figure is informational benchmarking, not a credit rating.
How much do Saint Vincent Seminary graduates earn?
Median earnings ten years after entry are $59,982 (College Scorecard), measured across students who received federal aid.
Which schools are Saint Vincent Seminary's peers?
Saint Vincent Seminary is benchmarked against 205 institutions in the Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit peer group; all percentiles and medians on this page are computed within that group.
Compare with peers
Academy for Jewish Religion CaliforniaAnabaptist Mennonite Biblical SeminaryAquinas Institute of TheologyAsbury Theological SeminaryAustin Presbyterian Theological SeminaryBakke Graduate University

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Source: U.S. Department of Education — College Scorecard & IPEDS (most recent releases), with the U.S. Census Bureau (ACS), the U.S. Bureau of Labor Statistics (Employment Projections, field-demand outlook) and WICHE (enrollment-cliff projections). Figures lag the current academic year by roughly two to three years. Percentiles and medians are computed within the institution's peer group. Financial Resilience is a transparent composite — see each component above. Compiled by Ibex Insights.